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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
      • 0 replies
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Perfect home problem if any one can help.

 

My friend has a sofa with them 1/3rd paid,

they had a benefit change earlier in the year around July time and things got interrupted then onwards due to the time scale the change took.

 

Priority debts are being paid but finding it difficult to pay perfect home the required amount.

 

Last Monday another 'visit' took place where the foot soldier announced if payment was not made this week a bailiff would come to remove the sofas.

 

even a message relayed through their 7 year old son who answered the door around 4 30 .

 

The tone of the representative was confrontational as well.

 

What is the best way forward in dealing with this please if anyone can advise.

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Hi

This is a known issue with these rent to own products.

 

NO, they cannot remove the sofa. They would need a court order to do that.

NO. They won't sent round a bailiff as there has been no court action. Perfect Homes staff have lied to you.

 

I would be writing to their head office and complaining about the attitude of their staff members and mentioning the change of circumstances. These companies should have a policy in place where they are able to assist those in financial difficulties.

 

If these people come back, try and get a recording of them. Anything caught on camera which breaks the rules can be used against them and you may even have a claim for harassment. Don't let anyone in.


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Thanks for the advise, I thought along these lines.. just needed some clarification on the best way in handling this.

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don't forget to reclaim the hidden insurances....


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Is this the direction to deal with all hire purchase companies? As they have items with bayv as well with just a handful of months left on 3 year agreements too..so far bayv have not gone to the extremes of perfect home as yet.

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Companies like Brighthouse mask their insurance within the interest rate and that hasn't been challenged (as far as I am aware)

 

Perfect Homes and BAYV still (again as far as I know) have separate insurance policies and maintenance cover. Miss any one of these payments and they lapse so any further payments shouldn't me made as if you need to claim, They would say "Ahh, but you missed a payment so you are not covered"

 

These insurances were sold to people even if their own insurance would cover such claims so were missold.

I would get them back as they have had their wrists slapped on many occasion. Any refund could be used to pay off the balance of the agreement.


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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